The Role of Turkish Islamic Banks in Financing Economic Sectors

İzzettin Aslan

Makale detayları

The Role of Turkish Islamic Banks in Financing Economic Sectors

Yazarlar:

İzzettin Aslan

Yayıncı:

Necmettin Erbakan University

Ana Başlıklar:

İslam Ekonomisi

Dergi:

Akif Vol.55 Issue 1, pp.24-51

Belge Tipi:

Makale

Yayın Tarihi:

6/2025

Belge Dili:

Arapça

Document ID (Org No.):

2001343884

pISSN:

2791-6065

Anahtar kelimeler:

Özet:

 This study aims to analyse the economic significance of Islamic banking finance in Türkiye and assess its impact on various economic sectors between 2014 and 2023.The research is based on an analysis of annual reports from Turkish Islamic banks, along with data from the Banking Regulation and Supervision Agency BRSA. The findings indicate that Turkish Islamic banks have expanded their share within the national banking sector, particularly following the governments involvement through the establishment of new state-owned Islamic banks. This intervention has contributed to increased customer confidence, thereby fostering greater demand for Islamic banking services. Furthermore, the study reveals that the majority of Islamic financing is allocated to the service sector 37.96, followed closely by the industrial sector 37.68. The study recommends the reinforcement of policies that support Islamic finance and urges Islamic banks to diversify their financial product offerings, particularly in productive sectors, in order to meet the needs of various economic activities and to reduce excessive reliance on murābaḥah-based deferred sale contracts.

 This study aims to analyse the economic significance of Islamic banking finance in Türkiye and assess its impact on various economic sectors between 2014 and 2023.The research is based on an analysis of annual reports from Turkish Islamic banks, along with data from the Banking Regulation and Supervision Agency BRSA. The findings indicate that Turkish Islamic banks have expanded their share within the national banking sector, particularly following the governments involvement through the establishment of new state-owned Islamic banks. This intervention has contributed to increased customer confidence, thereby fostering greater demand for Islamic banking services. Furthermore, the study reveals that the majority of Islamic financing is allocated to the service sector 37.96, followed closely by the industrial sector 37.68. The study recommends the reinforcement of policies that support Islamic finance and urges Islamic banks to diversify their financial product offerings, particularly in productive sectors, in order to meet the needs of various economic activities and to reduce excessive reliance on murābaḥah-based deferred sale contracts.

 This study aims to analyse the economic significance of Islamic banking finance in Türkiye and assess its impact on various economic sectors between 2014 and 2023.The research is based on an analysis of annual reports from Turkish Islamic banks, along with data from the Banking Regulation and Supervision Agency BRSA. The findings indicate that Turkish Islamic banks have expanded their share within the national banking sector, particularly following the governments involvement through the establishment of new state-owned Islamic banks. This intervention has contributed to increased customer confidence, thereby fostering greater demand for Islamic banking services. Furthermore, the study reveals that the majority of Islamic financing is allocated to the service sector 37.96, followed closely by the industrial sector 37.68. The study recommends the reinforcement of policies that support Islamic finance and urges Islamic banks to diversify their financial product offerings, particularly in productive sectors, in order to meet the needs of various economic activities and to reduce excessive reliance on murābaḥah-based deferred sale contracts.

 Bu çalışma, Türkiyedeki İslami bankacılık finansmanının ekonomik önemini analiz etmeyi ve 2014-2023 yılları arasında farklı ekonomik sektörler üzerindeki etkisini ortaya koymayı amaçlamaktadır. Çalışma, Türkiyedeki İslami bankaların yıllık raporlarının yanı sıra Bankacılık Düzenleme ve Denetleme Kurumu BDDK verilerinin analizine dayanmıştır. Bu analizler sonucunda, Türkiyedeki İslami bankaların bankacılık sektöründeki paylarını artırdığı görülmüştür. Özellikle hükümetin yeni kamu İslami bankaları kurarak sektöre girmesi, müşteri güvenini güçlendirmiş ve İslami bankacılık hizmetlerine olan ilgiyi artırmıştır. Araştırma ayrıca, finansmanın en büyük kısmının hizmet sektörüne 37,96 yönlendirildiğini ve bunu sanayi sektörünün 37,68 takip ettiğini ortaya koymaktadır. Çalışma, İslami finansmanı destekleyen politikaların güçlendirilmesini önermektedir; ayrıca İslami bankaların finansal ürün çeşitliliğini özellikle üretim odaklı sektörlerde genişletmesi ve murabaha gibi vadeli satış sözleşmelerine aşırı bağlılığını azaltması gerektiğini vurgulamaktadır.

Makale detayları

The Role of Turkish Islamic Banks in Financing Economic Sectors

Yazarlar:

İzzettin Aslan

Yayıncı:

Necmettin Erbakan University

Ana Başlıklar:

İslam Ekonomisi

Dergi:

Akif Vol.55 Issue 1, pp.24-51

Belge Tipi:

Makale

Yayın Tarihi:

6/2025

Belge Dili:

Arapça

Document ID (Org No.):

2001343884

pISSN:

2791-6065

Islamic Law

Islamic Banking

Participation Banks in Türkiye

Economic Development

Financing of Economic Sectorsİslam Hukuku

İslami Bankacılık

Türkiye Katılım Bankaları

Ekonomik Kalkınma

Ekonomik Sektörlerin Finansmanı

Sayı

Makale detayları

Yazarlar: İzzettin Aslan

Yayıncı: Necmettin Erbakan University

Ana Başlıklar: İslam Ekonomisi

Dergi: Akif Vol.55 Issue 1, pp.24-51

Belge Tipi: Makale

Yayın Tarihi: 6/2025

Belge Dili: Arapça

Document ID (Org No.): 2001343884

pISSN: 2791-6065

Sayı

Yazarlar:

İzzettin Aslan

Yayıncı:

Necmettin Erbakan University

Ana Başlıklar:

İslam Ekonomisi

Dergi:

Akif Vol.55 Issue 1, pp.24-51

Belge Tipi:

Makale

Yayın Tarihi:

6/2025

Belge Dili:

Arapça

Document ID (Org No.):

2001343884

pISSN:

2791-6065